North Star Community
Maddock, ND · Charter 62563 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 13 branches
Q2 2026
$464.8MAssets
$334.7MLoans
$396.8MShares
$66.5MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 75% of credit unions under $1B in assets (rank 419 of 1683).
- Widest gap: nonperforming loans / loans trails 92% of credit unions under $1B in assets (rank 1542 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.18%
Rank 419 of 1,683
Net Interest Margin
4.33%
Rank 415 of 1,683
Efficiency Ratio
70.45%
Rank 477 of 1,682
Equity / Assets
14.31%
Rank 626 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.18% | 0.35% | 0.74% | 1.18% | Beats 75% | 419 / 1,683 | | |
| Return on Equity | 8.26% | 2.67% | 5.89% | 8.74% | Beats 72% | 477 / 1,681 | | |
| Net Interest Margin | 4.33% | 3.31% | 3.82% | 4.32% | Beats 75% | 415 / 1,683 | | |
| Efficiency Ratio | 70.45% | 68.91% | 78.20% | 86.93% | Beats 72% | 477 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.87% | 0.26% | 0.65% | 1.29% | Beats 8% | 1,542 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.31% | 10.44% | 12.89% | 16.53% | Beats 63% | 626 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.31% | 10.44% | 12.89% | 16.53% | Beats 63% | 626 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.35% | 52.61% | 69.38% | 83.50% | 77th pctl | 395 / 1,683 | | |
| Loans / Assets | 72.01% | 44.71% | 59.18% | 70.72% | 78th pctl | 377 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |